Extras benefits reset on 3 different dates: January 1st, July 1st, or the anniversary of your policy start date. This table lists the dates that each fund uses, as of October 2023.
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There are a few other extras cover limits you should be aware of.
Annual limits usually apply to a wide range of general treatments included in extras cover, such as:
However, there are certain parts of extras cover to which annual limits don’t usually apply, for example ambulance cover.
When comparing extras cover, it’s important to be aware that sub-limits and combined annual limits may also apply. While your policy may have an annual limit of $1,000 for general dental services, there may also be a sub-limit that sets the maximum amount you can claim for a specific dental treatment, for example a routine checkup or a basic extraction. This sub-limit is subtracted from the larger annual limit.
However, combined annual limits may also apply. For example, your policy may provide up to $300 cover for each of the following services: physiotherapy, chiropractic treatment and osteopathy. However, those services may also be grouped together into one category with a combined annual benefit limit of $750 – so the maximum yearly amount you can claim for all the physio, chiro and osteo services you receive is $750.
While COVID-19 vaccinations are free in Australia, other vaccines with out-of-pocket costs can be covered by private health insurance with some extras policies.
Get expert advice from the comfort of your own home, or even on the go.
Ensure your health insurance includes psychological wellbeing services when comparing cover.
Remedial massage can help ease pain from general wear and tear as well as specific injuries. This treatment isn’t covered by Medicare but is included in private health insurance extras cover. Find out how private health insurance can cover you for remedial massage therapy.
Find out when blood pressure monitors will be covered by Health Insurance and what you stand to receive in a claim.
Physiotherapy services can be beneficial at any life stage, so it could be worth considering and comparing extras health insurance that can cover the cost of this type of treatment.
This article explains which private health insurance policies cover orthotics and how you can find the right level of cover for your health needs.
finder.com.au explains how the private and public health system in Australia handles optical procedures and services.
A guide to extras benefits for hearing aids.
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CBHS Corporate
Transport Health
TUH
UniHealth
